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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,293 | $95,453-29.5% | $112,040-39.9% | $82,448-18.4% |
| Participation rate | 25.0% | 72.8%-47.8pp | 76.5%-51.5pp | 68.1%-43.1pp |
| Annual return | 9.50% | 23.92%-14.4pp | 24.52%-15.0pp | 41.64%-32.1pp |
| Employer contribution / active EE | $863 | $2,318-62.8% | $2,954-70.8% | $2,551-66.2% |
| Participant deferral / active EE | $2,204 | $4,224-47.8% | $5,098-56.8% | $4,139-46.7% |
| Admin fee / account holder | $542 | $9,013-94.0% | $12,098-95.5% | $7,234-92.5% |